| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | WYSSTA INSURANCE COMPANY INC | $10K | — | $10K | 9.11% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 20.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $902 | — | $902 | 11.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 673 | $114K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 814 | $252K |
| Short-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 814 | $276K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 814 | $206K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 814 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.